In Saddlebrooke, a typical home is worth $498,700 and typical rent is $2,774 a month. Compared with all of Pinal County, typical rent is 80% higher, the typical home value is 43% higher, and the share of households that own their home is 14 points higher.
Saddlebrooke is in Pinal County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Pinal County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical rent in Saddlebrooke is $2,774 a month, 80% more than in Pinal County as a whole ($1,537).
2
Nearby, in Catalina, the typical rent is $1,326: 52% less than in Saddlebrooke ($2,774).
3
Nearby, in Catalina, the typical home value is $276,200: 45% less than in Saddlebrooke ($498,700).
4
The typical home in Saddlebrooke is worth $498,700,43% more than in Pinal County as a whole ($349,000).
5
Saddlebrooke has the 6th highest homeownership rate of the 94 cities in Arizona with more than 5,000 people (95%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Saddlebrooke
What homes there are in Saddlebrooke, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Saddlebrooke
Pinal County
Arizona
United States
Kind of home: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Pinal County
Arizona
United States
Detached house
96%
77%
64%
61%
Attached house
4%
2%
5%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
16%
19%
Mobile home
Unreliable estimate
16%
9%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
The detached house rules in Saddlebrooke: 96% of homes, more than in Pinal County (77%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Saddlebrooke
Pinal County
Arizona
United States
Year built: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Pinal County
Arizona
United States
Before 1960
Unreliable estimate
4%
8%
26%
1960–1979
Unreliable estimate
10%
22%
24%
1980–1999
32%
21%
34%
25%
2000–2009
35%
40%
22%
14%
2010 or later
31%
25%
14%
11%
The typical year built in Saddlebrooke is 2005, about the same as in Pinal County (2004).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K5%
$300K–$500K41%
$500K–$750K37%
$750K–$1M8%
$1M or more4%
Value of owner-occupied homes: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
5%
$300K–$500K
41%
$500K–$750K
37%
$750K–$1M
8%
$1M or more
4%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,840 a month
Pinal County: $1,714 a month
Without a mortgage
$656 a month
Pinal County: $508 a month
Owners with a mortgage
48%
Pinal County: 61%
Owning costs more in Saddlebrooke: with a mortgage, the typical cost is $1,840 a month; in Pinal County, $1,714. Without one, $656.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
SaddlebrookeBoundaries changed
Pinal County+91%
Arizona+75%
United States+53%
Typical rent
SaddlebrookeBoundaries changed
Pinal County+45%
Arizona+47%
United States+33%
Typical household income
SaddlebrookeBoundaries changed
Pinal County+38%
Arizona+36%
United States+29%
Change since 2015–2019: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Pinal County
Arizona
United States
Typical home value
Boundaries changed
+91%
+75%
+53%
Typical rent
Boundaries changed
+45%
+47%
+33%
Typical household income
Boundaries changed
+38%
+36%
+29%
Saddlebrooke does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Pinal County the typical home value rose 91%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Saddlebrooke and its comparisons
Measure
Saddlebrooke
Pinal County
Arizona
United States
Rental vacancy
Unreliable estimate
6.9%
5.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.7%
4.3%
3.4%
People per household
1.87
2.80
2.53
2.53
Drive alone
58%
68%
67%
69%
Carpool
Unreliable estimate
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
36%
17%
18%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Saddlebrooke has 1.87 people, fewer than in Pinal County (2.80).
Working from home is more common in Saddlebrooke: 36%, against 17% in Pinal County.
Do the math
What would you pay each month for a home in Saddlebrooke?
A typical home costs more than the typical income allows
We start with a typical home in Saddlebrooke, worth $498,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Saddlebrooke, which is $88,686 a year. For that payment to be 28% of income, a household would need to earn about $171,744 a year.
The calculator's FHA and conventional loan limits are those of all of Pinal County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Saddlebrooke. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $17,455 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,007
at 7.18% · 30 years
Loan amount
$489,667
Total interest
$704,516
Paid off in
November 2056
Includes $8,422 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,069 a month
Tight
$2,069 to $2,661 a month
Hard
more than $2,661 a month
Your payment · 54%
Compared with the typical household income in Saddlebrooke ($88,686 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,317
Property tax
$262
Home insurance
$208
FHA mortgage insurance (MIP)
$221
You need at least $17,455 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $4,007; principal and interest $3,317.
The city and its county
Saddlebrooke and Pinal County
Saddlebrooke is in Pinal County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Saddlebrooke
Map of Pinal County, Arizona, with Saddlebrooke marked. Around it, the neighboring counties.
Saddlebrooke
Pinal County
Other cities with a page
Saddlebrooke's own numbers
Typical home value
$498,700
Typical monthly rent
$2,774
Typical yearly household income
$88,686
Households that own their home
95%
Effective property tax rate
0.63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pinal County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinal County.
A typical home in Saddlebrooke is worth $498,700: 43% above the county and 26% above Arizona. With the typical household income in Saddlebrooke ($88,686 a year), a typical home costs 5.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Saddlebrooke5.6 years
Pinal4.3 years
Arizona4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pinal County
According to FHFA’s house price index, home prices in Pinal County rose 138% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pinal County.
Yearly change in FHFA’s price index in Pinal County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +8.5% +8.5% 2017
2018: +10.0% +10.0% 2018
2019: +9.4% +9.4% 2019
2020: +6.3% +6.3% 2020
2021: +22.0% +22.0% 2021
2022: +24.5% +24.5% 2022
2023: +0.9% +0.9% 2023
2024: +2.8% +2.8% 2024
2025: +1.1% +1.1% 2025
Change in FHFA’s price index in Pinal County, Arizona and the United States
Period
County
Arizona
U.S.
Last year (2025)
+1.1%
+0.9%
+2.9%
5 years (2020–2025)
+59%
+55%
+47%
10 years (2015–2025)
+138%
+119%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Saddlebrooke next to Pinal County, Arizona and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Saddlebrooke$498,700
Pinal$349,000
Arizona$394,500
United States$332,700
Typical monthly rent
Saddlebrooke$2,774
Pinal$1,537
Arizona$1,543
United States$1,413
Typical yearly household income
Saddlebrooke$88,686
Pinal$80,266
Arizona$79,964
United States$80,734
See the full table
Saddlebrooke next to Pinal County and Arizona
Measure
Saddlebrooke
Pinal County
Arizona
U.S.
Typical home value
$498,700 ▲43% above the county
$349,000
$394,500
$332,700
Typical monthly rent
$2,774 ▲80% above the county
$1,537
$1,543
$1,413
Typical yearly household income
$88,686 ▲10% above the county
$80,266
$79,964
$80,734
Households that own their home
95% ▲14 points above the county
82%
67%
65%
Typical yearly property tax
$3,165 ▲93% above the county
$1,636
$1,879
$3,119
Effective property tax rate
0.63% ▲0.16 points above the county
0.47%
0.48%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinal County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Saddlebrooke
For a typical $498,700 home in Saddlebrooke, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saddlebrooke's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,007a month
Least cash to close
Down payment
$17,455
Cash to close
$32,416
Rate
7.18%
Mortgage insurance
FHA MIP · $221
Conventional, 5% down$3,916a month
Down payment
$24,935
Cash to close
$39,896
Rate
7.18%
Mortgage insurance
PMI · $237
Conventional, 20% down, no PMI$3,172a month
Down payment
$99,740
Cash to close
$114,701
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,633a month
Down payment
$74,805
Cash to close
$89,766
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Saddlebrooke
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,007
$17,455
$489,667
7.18%
FHA MIP · $221
$32,416
580
Conventional, 5% down
$3,916
$24,935
$473,765
7.18%
PMI · $237
$39,896
620*
Conventional, 20% down, no PMI
$3,172
$99,740
$398,960
7.18%
None
$114,701
620*
ITIN, 15% down (example)
$3,633
$74,805
$423,895
8.18%
None
$89,766
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Saddlebrooke is $2,774 a month: 80% above the county.
HUD publishes a fair market rent for all of Pinal County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pinal County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,390
$26.73
$55,600
1 bedroom
$1,493
$28.71
$59,720
2 bedrooms
$1,734
$33.35
$69,360
3 bedrooms
$2,287
$43.98
$91,480
4 bedrooms
$2,537
$48.79
$101,480
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Saddlebrooke
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saddlebrooke has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,990 in 85739 to $2,100 in 85623.
2 of the 2 are above the fair market rent for Pinal County ($1,734).
Fair market rent by ZIP code and size in Saddlebrooke, fiscal year 2027.
85623
$1,670
$1,810
$2,100
$2,800
$3,110
85739
$1,510
$1,650
$1,990
$2,670
$2,990
ZIP code2 bd3 bd
85623 $2,100$2,800
85739 $1,990$2,670
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Saddlebrooke when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Pinal County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Saddlebrooke or Pinal County. The ones below are statewide in Arizona: they work in Saddlebrooke the same as in the rest of the state.
Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years.Offered by Arizona Industrial Development Authority (Arizona IDA).
The HUD-approved agencies closest to the center of Saddlebrooke, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
AR
Administration of Resources and Choices (ARC)
1625 N Alvernon Way Ste 101, Tucson · 22 miles away · Spanish
No legal help resource on our list is for Saddlebrooke or Pinal County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Saddlebrooke and all of Pinal County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Saddlebrooke?
The typical home value in Saddlebrooke is $498,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinal County it is $349,000.
How much does it cost to rent in Saddlebrooke?
Typical rent in Saddlebrooke is $2,774 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinal County is $1,734.
What is the FHA loan limit in Saddlebrooke?
Saddlebrooke uses the FHA limit for all of Pinal County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Saddlebrooke?
The typical homeowner in Saddlebrooke pays $3,165 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Pinal County, the rate is 0.47%.
Where can I find free help to buy or rent in Saddlebrooke?
We found no HUD-approved counseling agencies with an office in Pinal County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
